论保险法中的出险通知义务

On the policyholder's notification obligation in the Insurance Law

在我国保险法中,受益人原则上不应成为出险通知的义务人。通知期限应确定为一个具体的期限,并应允许当事人约定更长的通知期限。违反出险通知义务的法律后果应设计为保险人免责和损害赔偿,但不应赋予保险人解除合同的权利。

In China＇s Insurance Law, the beneficiary is not obliged to notify the insurer on the occurrence of covered risks in principle. The time frame for notification should be specific and allow the relevant party to opt for a longer time frame. The legal consequence for failing to abiding by the notification obligation should be evoking the insurer＇s liability and compensa- tion for damages, but not empowering the insurer to terminate the contract.